Two rules govern every guide listed here: the arithmetic appears on the page, and nothing about approval is promised. The shelf breaks into three parts of its own. Law pieces map Minn. Stat. 815 ILCS 123: the 2000-2021 rate cap that closed the two-week market, the 36% APR cap on licensed small loans, and the lawful doors that remain. Cost pieces take a specific amount and follow it through the statutory pricing, dollar by dollar. The rest covers self-defense: which cheaper routes to price first, what sovereign lending costs, and the fraud patterns aimed at this market.
The raw numbers sit in the caps reference; the FAQ carries the quick answers; and the calculators will test any offer against your own budget before you sign anything.